Furnishing costs for a short-term rental (STR) typically range from $10,000–$25,000 for a well-equipped 3-bedroom property, depending on quality, location, and style.

 - Three bed, two bath rents: $2000/month  - Four bed, two bath rents: $2400/month  (according to rentometer)I’m wondering if renting out a four bed, two bath is more challenging than a three bed, two bath in San Antonio.  

The costs of transacting are too high, the rental yields are ridiculously low, the capital growth is being stymied by the governments recent actions and the affordability issue for locals is causing even more issues for investors.Investing in any property market requires the fundamentals to be in place to make it viable.

One month of vacancy has cost you $2,400.

I blindly invested in an overpriced 3BD SFH in Cahokia Heights, IL April 2024 and have been carrying costs since then!

I know we can start with DSCR and refinance, but then you're paying closing/origination costs twice.

I've used this strategy in a similiar situation wherein the repairs needed to the property were made part of the agreement and the tenant buyer took possession with repairs needed and fixed the property to livable condition.Also in the scenario I received $5.5K down payment on a 3 year term $1200 per month and P/I cost me $550 and I paid taxes and insurance. 

It needed some work but it was fully rented and put a few hundred dollars in my pocket after expenses every month.

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

In some cases, it's hard cost, in some cases soft cost or just inefficiencies.